9 Best South Dakota Mortgage Lenders of 2021
NerdWallet helps you make a smart decision when it comes to choosing a South Dakota mortgage lender best-suited to your needs.
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With abundant natural beauty and a low cost of living — especially when it comes to housing— South Dakota is a great place to call home. Choosing the best mortgage lender when you buy or refinance a home can help you settle into the environment with peace of mind.
NerdWallet has researched the leading mortgage lenders in South Dakota and chosen the best in several high-demand borrowing categories.
With abundant natural beauty and a low cost of living — especially when it comes to housing— South Dakota is a great place to call home. Choosing the best mortgage lender when you buy or refinance a home can help you settle into the environment with peace of mind.
NerdWallet has researched the leading mortgage lenders in South Dakota and chosen the best in several high-demand borrowing categories.
Best South Dakota Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | 620 | 3% | Learn more at Guaranteed Rate | |
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | 620 | 3% | Learn more at Rocket Mortgage, LLC | |
![]() Veterans United: NMLS#1907 | 620 | 0% | Read review | |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | 620 | 3% | Learn more at Fairway Independent Mortgage | |
![]() Wells Fargo: NMLS#399801 | 620 | 3% | Read review | |
![]() US Bank: NMLS#402761 | 620 | 5% | Read review | |
![]() USAA: NMLS#8722 | 620 | 3% | Read review | |
![]() Navy Federal: NMLS#399807 | N/A | 0% | Read review | |
![]() loanDepot: NMLS#174457 | 620 | 5% | Read review |

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate

at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC
Veterans United: NMLS#1907

Min. credit score
620Min. down payment
0%
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
Wells Fargo: NMLS#399801

Min. credit score
620Min. down payment
3%US Bank: NMLS#402761

Min. credit score
620Min. down payment
5%Navy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%Last updated on January 20, 2021
Methodology
To recap our selections...